can any one tell me how to get one of these solo cards i really want one because i do a lot of buying and selling on ebay and i keep havng to ask my dad to borrow his credit card and he is getting very fed up with me keep using it i would rather get one of these solo cards no website that i have searched has told me where and how to get one i would realy appreaciate it if you could tell me thank you very much aron
Given to children Over 11 (Natwest) 13 (HSBC)
Accepted everywhere, even abroad
Chip & Pin
I am writing this review on behalf of my son.
My son got his Solo Debit Card from our local Natwest bank. We went in to ask about the accounts they offered, and the account was set up. 3 Days later the card arrived, then 2 days after the pin number arrived after activating the card.
My son has used the card all over our local town and online. It's perfect for a teenager as you don't have to carry cash around with you.
I would recommend this card to any teenager. Banks are welcome to give it out and its very good online
I opened a NatWest (Card Plus) account to i could have this card. And i don't regret it one bit! It's accepted most place's i shop (try not to get this confused with the "Switch" sign). Amazon, Play, Currys and more accept this card. HSBC (Live Cash) Let you have this card from 13+, but NatWest (Card Plus) let you have it from 11+.
Overall must have for Under 18's (Over 18's can have one aswell)!
The Solo card was launched by the Switch Card Scheme in July 1997 (hence the Switch and Solo logos been very similar).
In many ways the Solo card works identically to the Switch (or now Maestro) card, it is a fully electronic debit card that can be used in thousands of retail outlets in the high street as well as most major online shops.
The Solo card is differnet to Switch/Maestro however, in its level of financial control.
Before a payment is processed, the card has to be authroised (we're talking a matter of seconds here, so there's no big wait) and you'll never be allowed to spend more than you have in your account.
Solo is designed to appeal mostly to people getting their first debit card, and is therefore often given out with young saver accounts, in particular from HSBC and NatWest's Card Plus account. As long as the retailer accepts the card, and you have enough money, there are no restrictions on usage of the card and therefore allows young people to easily manage their money and gain experience of the financial world, while at the same time been guarunteed safety and financial security that no other card is able to offer.
The Solo card has adopted the Chip and Pin scheme like all other card providers, adding to the levels of security provided by Solo.
The card looks exactly like all other debit cards. It features a 16-digit card number and all the various other codes and dates found on cards, including the 3-digit security code on the back which is more and more frequently been needed to process online and mail orders.
99% of shops that accept any other card will also accept Solo, so there's no worries about limited usage of the card, this is of course unless venture outside the UK where, despite the card featuring the Cirrus and Maestro logos, you may find there are many shops which will refuse the card.
Online usage of the card is also growing; with more and more shops and payment systems accepting debit cards.
Many major online reatailers like Play.com, Amazon.co.uk and HMV all accept the card with no problems.
PayPal also accept the Solo card, so that's good news for all you eBay addicts!
For those of you who don't already know about Maestro and Cirrus, here's my best attempt to explain:
The two systems are allowing a much wider use of UK debit cards abroad.
Maestro allows you to use your debit card just like normal in any retail outlet abroad that's willing to accept the card.
Cirrus, which works on the same principal as Maestro, allows you to use your UK debit card to withdraw cash from ATMs abroad.
It should be mentioned that usage of both the Cirrus and Maestro functions of a card carry fairly high fees; some fixed rate and others depending on how much you spend/withdraw.
In conclusion, the Solo card is a great card for newcomers to the plastic world and with its greatly enhanced security and safety features compared to other cards, it is great card for use with young saver accounts.
The following websites may be useful if you need more info:
www.solocard.co.uk - The Solo Card Website
www.natwest.co.uk and www.hsbc.co.uk - Both banks offer Solo cards with some of their accounts.
I started in my first Saturday job when I was 17, and although I already had a savings account, my parents told me they'd prefer me to open up a new account for my wages to go in. I can understand their reasoning, and we went along to the Halifax to set up such an account. I sat feeling a bit overwhelmed as I was talked through everything and then told that I would receive a Solo card with the account. At the time I didn't think I would use it much, but I know much better now! My elder sister had received a Switch card when she had been about 18 or 19, I think, and my mum and dad had to promptly hide it away from her as she wasn't the most careful person when it came to money. However, thanks to the way Solo functions, my card didn't have to be confiscated. Solo is the baby brother of Switch. It's perfect for teenagers as they can only spend what money is already in their account and so their parents don't have to worry about them getting themselves into debt. However, it can't be used as a cheque guarantee card as far as I'm aware. Solo has been around for long enough now that most shops accept it. More importantly (to me, at least) most online shops accept it although it is often not quoted specifically and you just have to click on Switch as your chosen form of payment. It can also be used to make withdrawals from cash machines. I'm 19 now and still feel I haven't outgrown this card. I like knowing that I have the security of not having to worry about spending what isn't already in my account as my payments are authorised to ensure the money is there when I use my Solo card. I've certainly never encountered any problems with it myself, although I imagine it would have constraints for other people. I definately think this card
is most suited to us young 'uns who are only dealing with small amounts of money and aren't paying bills etc. with our cards, but it is definately a clever idea. I think Solo cards definately allow parents to give their older teenagers more financial freedom that they might not have been able to trust them with if it had been a Switch card they'd had and not a Solo one. Capital letters courtesy of: http://www.chuckleweb.co.uk/fixit.php
I had a Solo card a few years ago but could never find anywhere that would accept it. I have recently been given one with a new account and have found it fantastic. Although there are still a few high street stores that do not accept it, most internet and mail order sites do and more and more shops (including supermarkets) do. The other good thing is that you don't get seriously into debt as it will only debit money that is in the account.
I went for a Solo card because I do contract work and my pay is different every month, occasionally it is late coming through and too often I was getting fines from both my bank and credit company or I would forget to post the cheque with a resulting fine. I decided to take control and send back my credit cards and take a Solo card. I have lived with it for 12 months now. Most large retailers take the card but I have had trouble with it at petrol stations forecourts, once at ESSO and once at Tesco, when the card was refused with the message "ask the customer for a different method of payment". On both occasions there was several hundred pounds available and I just went to a ATM and withdraw the money. I would warn anyone who does any traveling against the Solo as most motorway service areas do not take the card (although the KFC on the motorways do and so do some Burger Kings) I think Granada (or whatever they are called now) do and so do some THF. Most motorway service areas have cash machines so there is an alternative however many of the ATMs now installed on these sites require payment for withdraws so be warned. Most hotels do not take the card and so making reservations is hard. Abroad when using the card you get stung with high charges and poor exchange rates. On the Net hardly anyone takes Solo. Recently I tried to book a flight to Ireland on the Net, which proved impossible with the Solo card. I am off work sick at the moment but as soon as I get back to work I am going to reapply for a credit card. Just one though. Edit: At the time of writing (May 2004) I have found the card to be accepted in most shops, Tesco, Sainsbury, Asda, Staples, Pound Stretcher, Somerfield/Quick Save, Lidl, Stationary Box, Morrisons, HMV, Virgin, Wilkinsons I am sure Boots and Woolies take the card too. Some smaller retailers do not take the card but most seem to do so, so high street sho
pping is no problem anymore with the Solo card . Most large pub/restaurants chains also take the Solo card. The only large retailer that does not as far as I am aware is WHSmiths, but who uses them anymore? In the UK getting money out of the LINK cash machine system is no problem neither (where theses machines are available) and its free. The only problem I have found with the card is when traveling
Solo launched in 1997 to be the sister card of Switch, offers anyone not eligible for other Debit or Credit cards the opportunity to get one. Anyone over 11 can apply for one and your credit history shouldn't matter because you can't spend more than you have in your account. Whether you choose to use Solo in shops, online or just to get cash at an ATM it offers many benefits: * Shop without cash at many stores without any extra charge including, Sainsbury's, Argos, John Lewis, Marks and Spencer and more! * Shop online at the biggest retailers including, Amazon, Play.com and many more. * Get money out at any of the UK's 40,000 ATMS (most are free, but some charge and they must tell you if they do) or get local currency abroad in many countries using Mastercard's "Cirrus" network (small fees apply). * Shop abroad in over 2,629,148 shops in Europe, 1,945,248 in North America and 451,297 in Asia (small fees apply). * Get interest on the balance of your Current Account from Natwest, Royal Bank of Scotland, Halifax or HSBC. I have had Solo for 8 months and have found it easy to use. Just give the card to the cashier, type in your card number online or insert your card at the ATM. I haven't experienced any difficulty in getting the card accepted where they say they take Solo. But there are some shops that don't accept it. When my local post office accepts it but WH Smith doesn't it really says something about the company. Often those shops aren't worth bothering about and you can find a better deal elsewhere, if you absolutely have to shop there then you can just get some cash from the ATM. I chose to go with Natwest for two reasons: 1 - They are closer to home than RBOS. 2 - You must be over 16 to get a Solo card from HSBC or Halifax. If you are worried that you will overspend, don't, you cannot spend too much (your bank will confirm this). If you want to find out mo
re about where you can shop online with Solo see this site: http://www.shopsolo.co.uk
This card is good for young teenagers because if you put it into a bank then if you get mugged then the person who mugged you won't be able to steal your money because they won't know the pin. It makes you feel more grown up because you can use it like a credit card. With this card you can also get intrest on how ever much you have in there. It is also a good way of changing pennies into bigger coins.
I think Solo is a great debit card, I am 18 so I can have other cards but I am quite happy with my solo card because it's safe as you can't over-spend. I have a solo card issued from the Halifax and I have never been turned down due to it not be accepted, I have found that solo can be used in most pubs, restaurants, internet shops and loads of high street outlets. I use my card to top up my mobile phone credit, shop on the net and pay for goods in shops that cost like over £200 so I don't have to carry loads of cash. Solo is excellent and I recommand it to everyone. Natwest, HSBC and Halifax issue Solo cards. I have discovered shops like PC World, Whsmith, Debenhams, Homebase and Woolworths don't accept solo yet but they should take on that card scheme as soon as possible so they don't let customers down. Solo has never let me down!
Solo looks like Switch, but like everyone else has said, it's not as good. Bring out a Solo card in a shop and watch as everyone around you laughs (inwardly, of course). Solo means you've got a crap credit rating. If your imminent spend would take you overdrawn, your Solo card will get declined and the cashier will tell you "Sorry Sir/Madam, You dont have sufficient funds". Guess how embarassing that would be. Very. On the plus side, it can be good for those with crap credit histories to be able to get a debit card where Switch isn't an option.
Im writing this review becuase i believe that the Solo card to great.... What is a 'Solo' card A solo card is another type of a debit card. It is the sister (related to) the Switch card, and is used like a debit card. Under 16s are allowed to apply for one. So, Why is a 'Solo' card so Great I think this is a great carb because you are allowed to apply if you're under 16 (yeah, im only 14 :) ). I used to belong to Abbey National, which are fair enough.. but when i heard of the solo card i did some research. I found that it is almost accept every where, like Master Card. It can not go in the red (you owe the bank money), this means if ur card is stolen only what is in ur bank can be withdrawn. Also, the most someone can withdraw is £50 a week i believe which should be enough for a Under16.. Banks do not charge for this card so it is very nice. Rates Natwest give 3.66% APP and Abbey National (which i used to belong to) give 3.4%. This isnt' much but it more than nothin. I canviced my perents to get me it cuase of this.
When I was 14 (Many yrs ago now!) and the fabulous Switch and Visa cards were not available to me I really wanted a card which I could use to pay for things rather than constantly drawing money out of my account. I opened a NatWest account and was offered a solo card! How happy was I to finally be able to pay for things on a card, not only was it more convenient but I think it gave me more of a sense of independance and freedom. When you are that young and all you want to be is older than your years this card was great! It is not particularly dangerous for young people to have because unlike a credit card the money that you use is only what you already have in your account, so you can't run up huge debts. So this card also taught me about the value of money because if I used my money too quickly then it was my own fault and there was nothing I could do about it, whereas with a visa card you can lose control with how much you abuse it! So as you can see when I was younger the card was a real bonus and I was really glad I had it. However, now I'm 22 and I STILL have the card! I know I should and can change it and I definitely will get round to it sometime soon. As i'm alot older I find myself using and needing to pay on card more and more often. For example when I pay for train tickets or holidays online it is essential to have a card. The problem with solo is that it was great for when i was younger and only used it now and then but now it's a real pain because lots of places don't accept it. I tried to book a train ticket online last week and got all the way to the last form of the website only to discover that they do not accept solo! Topshop and other high street shops also don't take the card. So i'm finding that i have to check everywhere i go to find out first if i can or cannot use my card, which really defeats the object of a card being efficient and easier to use! For young people a solo card is a reall
y good idea, but as you get older I really think you should change to a switch card which is more widely accepted!
I made a concious decision not to apply for a solo card. Two of my close friends have them and it seems to cause them nothing but trouble. I work in a fuel station, and we do not accept Solo cards, so I suppose I am alittle biased. But when my friends want something, we queue up at a supermarket checkout or in a petrol station, and when we get there its: 'Sorry madame, we dont take Solo cards'. So that means that after being stood for ages, we have three options: 1. I pay for it instead. 2. We go to a cash point and then rejoin the queue. 3. We go elsewhere and go through the same thing again. Dont get me wrong the card does have its merits, and i really wish we did take Solo as it would make my job an awful lot easier. But we dont, and niether do a lot of other stores.
Now-a-days more and more stores (online & offline) take Solo as a payment method. If you don't like carry cash then get a solo debit card. Here's what happends when paying via Solo: 1. You hand over your card 2. They swipe your card 3. The computer contacts your banks computer to see if you have the money in your account 4. The computer gives the all clear, prints out and you give your autograph. All this happends in seconds, so you can't spend more then whats in your account. The money will be taken from your account in about 2 days time. If you have a credit card and you are buying something that costs more then £100 then use that because it's not your money and if theres a problem with the goods or transaction then your insured.